Amplify Card

Reward yourself with more choice

Amplify Credit Card
  • Special offer - 0% p.a. for 6 months on purchases from card approval*. Offer ends 31 March 2015.
  • Special offer - 0% p.a. for 6 months on balance transfers, requested at card application1. Variable cash advance rate of 20.74% applies after 6 months. Offer ends 31 March 2015.
  • Special offer – 10,000 Amplify or Qantas bonus Points with a new Amplify card after you make your first eligible purchase by 30 April 2015+. Offer ends 31 March 2015.
  • Choose between two great rewards programs – Amplify Rewards or Amplify Qantas
  • $79 annual fee
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More Choice

  • Choose between two great rewards programs - Amplify Rewards or Amplify Qantas
  • 10,000 Amplify or Qantas bonus Points with a new Amplify card after you make your first eligible purchase by 30 April 2015+
  • Earn 1 Amplify point or 0.5 Qantas Point per $1 spent on eligible transactions, uncapped.

More Advantages

  • Save the joining fee with complimentary Qantas Frequent Flyer membership (if you're not already a member) for a limited time when you link your card to Amplify Qantas3
  • Special offer - 0% p.a. for 6 months on purchases from card approval*
  • Special offer - 0% p.a. for 6 months on balance transfers, requested at card application.1. Variable cash advance rate applies after 6 months. Calculate how much interest you could save! An assumptions that this calculator makes is that  "You don’t make any purchases on your card until the promotional period ends or the balance transfer is paid in full."
  • Get an extra card for an additional cardholder at no extra cost4
  • Up to 55 interest free days on purchases when you pay the closing balance in full by the Statement Due Date - "Interest free days don’t apply to balance transfers".  After 6 months you are charged interest on all Purchases from date of each Purchase @ 19.49% p.a. and interest on any o/s 'Balance transfer' @ 20.74% p.a.
  • Minimum credit limit of $1,000
  • Visa payWave contactless payments for transactions under $100.
Rewards If you choose Amplify Rewards If you choose Amplify Qantas
Points earned on purchases (uncapped) $1 = 1 Amplify Point2 $1 = 0.5 Qantas Points4
Earning bonus points Earn bonus Amplify Points with Amplify Rewards Bonus Partners6 Earn Qantas Points twice with Qantas Frequent Flyer Program partners – once on your Amplify Platinum Card and again with the program partner4.
Redeeming your points Redeem Amplify Points2 for:
  • Rewards from a wide range of categories including appliances, gift cards, charitable donations, entertainment expenses and more
  • Domestic and international flights on many major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel3
  • Airline points or miles through Virgin Australia’s Velocity program, Malaysia Airlines’ Enrich program and Singapore Airlines’ KrisFlyer program8
 Redeem Qantas Points for:
  • Classic Award flights on Qantas and 35 partner airlines8
  • Qantas and Jetstar Any Seat Award flights9
  • Flight Upgrade Awards on eligible Qantas flights when available
  • Over 3,000 products, experiences and vouchers from the Qantas Frequent Flyer online store1111.

Interest rates - variable

  • 19.49% p.a. on purchases.
  • 20.74% p.a. on cash advances.

Promotional balance transfer rate

  • 0% p.a. for 6 months on balance transfers, requested at card application.1 Variable cash advance rate applies after 6 months. Calculate how much interest you could save!
    An assumptions that this calculator makes is that  "You don’t make any purchases on your card until the promotional period ends or the balance transfer is paid in full."

Annual fee

  • $79

Foreign Transaction Fee

  • 3% of the Australian dollar value of each foreign transaction (including, without limitation, ATM transactions) by use of a Card issued on your credit card account.

Cash Advance Fee

  • 2% of each cash advance amount and all transfers (including, without limitation, transfers by Internet Banking or Phone Banking), from your credit card account with a minimum of $2.50

Late Payment Fee

  • $9 applied for each late or missed payment

Card Replacement Fees

  • $15 per card within Australia
  • $52.50 per card outside of Australia
  • $45 per emergency/urgent replacement card

Over limit Fee

  • If your card account was opened before 4 June 2012, $9 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account

Automatic Payment Dishonour Fee

  • $9 applied once per statement period for each payment dishonoured made under the automatic payment plan

Statement Copy Fee

  • $4.50 for requests via Phone Banking or Internet Banking
  • $7.50 for all other requests

Other fees and charges

Apply online
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Call us
1300 784 9341300 784 934
 
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What you'll need
Find out what information you need to provide to become a customer

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

View the terms and conditions

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. 

*The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply for a new St.George Amplify credit card between 6 January 2015 and 31 March 2015. After 6 months, the introductory purchase rate will switch to the variable purchase rate 19.49% p.a. then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer and bonus points promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

+The bonus points depend on your choice of Rewards Program. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Amplify Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Amplify Points and Qantas Points is subject to the Amplify Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.


1The promotional balance transfer rate is available when you apply for a new St.George Amplify card between 6 January 2015 and 31 March 2015 and request an application to transfer balance(s) from non- St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate and bonus points promotions. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 6 months, unless the amount is paid off earlier. The variable cash advance rate, currently 20.74% p.a. will apply to balance(s) transferred but left unpaid after 6 months. Card activation will trigger the processing of the balance transfer. St.George will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don’t apply to balance transfers.

2Earn Amplify Points through the use of an Amplify Card as set out in the Amplify Rewards Terms and Conditions. Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify Points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

3Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 5861300 489 586.

4Earn Qantas Points as set out in the Amplify Qantas Terms and Conditions. Qantas Points are not earned on cash advances and balance transfers or in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but for a limited time St George has arranged for this to be waived for new Amplify cardholders who are not already members and who choose to link their card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.

5An additional card can be issued on the primary cardholder’s credit card account to any nominated person 16 or older provided the account is not a joint account. All transactions using the additional card will be the responsibility of the primary cardholder.

6Bonus Amplify Points are earned on purchases made at participating Bonus Partner outlets and are listed at amplify.stgeorge.com.au.

7You must be a member of the relevant airline points or miles program to redeem Amplify Points for airline points or miles. To redeem, at least 3,000 Amplify Points are needed with additional increments in multiples of 500 Amplify Points at a time for airline points or miles. Award flights are subject to capacity controls and availability is limited. The terms and conditions of the relevant airline points or miles program apply.

8Classic Award flights on Qantas and 35 partner airlines. Additional charges and taxes payable with Qantas Points or money on Classic Award flights at the time of booking. The number of Qantas & Partner Classic Award seats available varies and depends on the flight date, season and destination. Some flights may not have any Classic Award seats available. The seats made available for Classic Awards on Qantas flights may also be obtained through the Qantas Any Seat Award booking process (although Qantas Points required are usually higher, and include surcharges, fees and taxes). Different conditions apply to Any Seat Awards. Members can still choose to obtain those seats as Classic Awards in a separate booking.

9Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ number. As long as there is a seat available for sale, you can book a Qantas or Jetstar Any Seat Award. The points required for these seats are variable and are only valid when quoted. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem on Any Seat Award through Qantas Frequent Flyer. Not all special promotional fares are available as Any Seat Awards.

10Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

Important information

Condition, fees and credit criteria apply.

1.The promotional balance transfer rate is available when you apply for a new St.George Vertigo or Vertigo Platinum credit card between 9 February 2015 and 30 April 2015 and request at application to transfer balance(s) from non-St.George, BankSA and Bank of Melbourne Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable cash advance rate, currently 21.49% p.a. will apply to balance(s) transferred but left unpaid at the end of the promotional period. Card activation will trigger the processing of the balance transfer. St.George will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don’t apply to balance transfers.

2.The promotional balance transfer rate is available when you apply for a new St.George Amplify, Amplify Platinum or Amplify Signature credit card between 6 January 2015 and 31 March 2015 and request at application to transfer balance(s) from non-St.George, BankSA and Bank of Melbourne Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate and bonus points promotions. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 6 months, unless the amount is paid off earlier. The variable cash advance rate, currently 20.74% p.a. will apply to balance(s) transferred but left unpaid after 6 months. Card activation will trigger the processing of the balance(s) transferred. St George will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don’t apply to balance transfers.

Assumptions that this calculator makes:

  • You don’t make any purchases on your card until the promotional period ends or the balance transfer is paid in full.
  • You only make minimum repayments on your card during the promotional term.
  • The interest rate applying to your non-St.George credit card will not change.
  • You don’t pay your card off in full each month.
  • The minimum monthly repayment will be paid by the Statement Due Date each month. The minimum repayment on your credit card is whichever is greater of: 2% of your total balance, or $10, or the amount of outstanding government and interest charges.
  • No cash advance transactions are made.
  • Excludes any fees that may apply to either card, including annual fees and when they are charged.